65 Summer St, Saugus, MA 01906 Property Records

Essex County and Saugus Town property record for 65 Summer St, Saugus, MA 01906

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,019 sqft · built 1880
Lot Size	0.262 acres (11,408 sqft)
Owner	Individual Name on Record
Tax Bill	$8,064 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Aug 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`SAUG M:010-E B:0003 L:0058`

Property Details

APN / Parcel Number

Primary APN	`SAUG M:010-E B:0003 L:0058`
Alternative APNs	`M:010=E B:0003 L:0058` `7432014`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,019 sqft Living Area
Gross Area	3,220 sqft
1st Floor Area	1,039 sqft
Basement Area	1,039 sqft
Unfinished Basement	1,039 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,408 sqft (0.262 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	7432014
Street Address	65 SUMMER ST
City	SAUGUS
State	MA
Zip	01906-2165
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NA
Legal Block	3
Legal Lot Number	58
Jurisdiction	SAUGUS MA
Township / Civil Division	SAUGUS
Census Block Group	1
Census Block	1009
Census Tract	208301

Owner

Source: Essex County and Saugus Town records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	65 SUMMER ST, SAUGUS, MA 01906-2165
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2026	Deed of Trust, Mortgage EASTERN BANK
Aug 31, 2022	Deed of Trust, Mortgage · Line of Credit EASTERN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	65 SUMMER ST, SAUGUS, MA 01906-2165
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043238-342
Date	Feb 24, 2026
Book Page	43238/342
Instrument	20260224000040

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAUGUS MA
Property Address	65 SUMMER ST, SAUGUS, MA 01906-2165
Transaction Type	Mortgage
Record Updated	Sep 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041161-259
Date	Aug 31, 2022
Book Page	41161/259
Instrument	44

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Essex County and Saugus Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Saugus Town
Unified School District	Saugus School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,064.00 (+2.61%)	$773,900 (+5.16%) Land $370,200 Building $403,500	$709,488
2025	$7,859.00 (+3.82%)	$735,900 (+3.53%) Land $338,200 Building $397,700
2024	$7,570.00 (+6.53%)	$710,800 (+12.63%) Land $329,100 Building $381,700
2023	$7,106.00	$631,100 Land $287,900 Building $343,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SAUGUS WATER DEPT. (MWRA) serves 27,844 people · EPA ID MA3262000
Water Source	Purchased surface water from MWRA
Last State Inspection	May 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 501 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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